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Insufficient funds buy stendra in australia The document you received when transferring your Isa to a 4.25pc rate for three years last year showed that interest would be paid annually. This, though, was incorrect and the facility is not available on the fixed rate Isa. Therefore interest was not remitted when you expected. Halifax temporarily unfixed the product to release the £838.56 interest earned so far. Then a manual calculation of the difference between the rate you had and the 2.5pc interest prevailing by then - returns having tumbled - was done for the remaining two years. The £699.83 in respect of this was credited to an account where you could access it. Halifax also offered you £50.